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The Locked-In Retirement Account (LIRA) 1 and Locked-In Retirement Savings Plan (LRSP) 1 enable you, as an employee to maintain the tax-deferred status of pension plan proceeds received when you leave a company. LIRA's lock in your money, but not your investment options. These plans are governed by federal or provincial pension legislation.
The LIRA or LRSP must be collapsed in the year in which you have your 71st birthday. You can then:
Contact our office for more information about Locked-in Retirement Accounts.